Boiler Insurance Cover Guide

Added On: 13/07/2008

6 Ratings

Getting a CORGI gas or boiler engineer to your home can cost over £70 per hour, and that’s not even including spare parts. You might be considering boiler insurance to give you piece of mind and to save you money, but what should you be looking out for?

Boiler insurance could be a good idea if you’d like the security of knowing that your gas boiler and central heating will be repaired and made safe in the event of a breakdown.

But what is boiler insurance or central heating insurance, what should you expect, and do you really need it? Our boiler insurance cover and heating insurance guide will explain all…

Do I need boiler insurance?

You should consider the age of your boiler. Have you just had your boiler installed? If this is the case, then the boiler will probably be covered by a manufacturer warranty, so insurance wouldn’t be necessary. It is worth remembering that the warranty would only cover the boiler and not your central heating, you might still want to consider central heating insurance that excludes boiler cover.

However, it’s worth noting that new statistics show that 1 in 6 boilers break down within the first 6 years of installation. We generally say that if your boiler is over 3 years old, or the manufacturer warranty has expired, then it’s worth having boiler insurance.

An average boiler repair call-out costs around £220, and a new boiler can cost anything from £700 to over £2500 depending on the property, so having insurance at under £6 per month starts to make sense.

Your boiler might also be covered by your house insurance so check this too, no point in having your boiler insured twice!

If you want peace of mind and the assurance that you can have any boiler problems fixed by making one phone call, then boiler insurance would work well for you.

It is worth noting that if you’re renting a property then it is not your responsibility to insure your boiler, get in touch with your landlord or estate agent and make sure they look after and service your boiler (they must do this by law).

What boiler insurance is best for my property?

This is a tricky one as the insurance offered by each provider is very different. We would recommend checking USwitch.com, as they have a comparison tool that is pretty handy at breaking down the different criteria for you. 

Take a look below at our ‘What should I expect from my boiler insurance?’ tips, where we tell you what general things you should look for when buying boiler insurance.

It’s very important to check the terms and conditions of the various products, and the exclusions that are applied; they will vary from provider to provider.

Do I really need central heating insurance?

Central heating faults can be hard to find and expensive to repair so many people get central heating insurance as part of their boiler insurance. It is worth remembering though that most companies (like Homeserve) offer products that mix and separate the two, so you can have boiler insurance or central heating insurance on their own, or combined.

Do check your home insurance, because sometimes boilers and central heating are covered by your existing policy.

Also, if you have already got boiler insurance and you’re looking to switch to a new cheaper policy then make sure your current policy can be cancelled first, as some policies have clauses that tie you in for a fixed period of time and may have cancellation charges.

Boiler service and safety

Having your boiler regularly serviced (every year) is extremely important. A boiler with a gas leak can be fatal, and can cause huge amounts of damage to your home. Leaking carbon monoxide and leaking natural gas can be fatal very quickly, and are very hard to detect.

Any damage to your home due to a gas fire may not be covered by your house insurance if you have not had your service completed on time.

The vast majority of boiler insurance products, such as those from Homeserve, offer a yearly boiler service as standard, at no extra cost to you. When you consider that a boiler service can cost anything from £70-£200, it’s usually pretty good value especially when you may be paying only £6 per month.

What should I expect from my boiler insurance?

Boiler insurance varies hugely between providers, but you can expect a certain level of service and response for your money. Here are a few things that we think you should be looking for when signing up to boiler insurance.

• 24 hour helpline

• You should be able to call a phone line 24 hours a day and have an emergency call-out to your home 24 hours a day. Thankfully this is offered as standard by most good boiler insurance providers.

 

• Old boilers, is mine eligible?

• Boilers over 15 years old are not covered by a number of different boiler insurance providers so make sure you fit the criteria before signing up. However, Homeserve have recently changed their criteria to allow a huge number of previously-excluded boilers so take a look and see if your boiler qualifies.

 

• Emergency gas boiler repairs

• Your boiler has broken down so you can reasonably expect the engineer to fix it. There is usually a part costs limit, which will vary. If your boiler is beyond economical repair then you should expect a payment to be made towards a new boiler (this £ amount will vary depending on the insurance products, but it can range from £200-500). Do remember that what you consider to be an emergency, such as a lack of hot water, may not be seen as an emergency by your insurance company, so check the terms and conditions.

 

• Boiler pump repairs

• Boiler pumps are covered by most boiler insurance products, but check to make sure as the boiler pumps can stop working.

 

• Gas boiler leak repairs

• A gas leak can be very serious for you and your family, as leaking carbon monoxide can kill very quickly. Make sure your insurance policy covers gas leaks, although it almost certainly will.

 

• Gas boiler electrical fault repairs

• As your boiler gets older you could find that it has electrical problems, and they can be costly to correct so make sure this is part of the policy.

 

• Yearly gas boiler service

• Some boiler insurance policies will also include a yearly service, like the Gas Boiler Insurance" target="_blank" href="http://tr.premieraffiliates.com/t/url.php/cid/337/sid/319">Homeserve Gas Boiler Insurance and Annual Service policy. It is important to keep your boiler well-maintained to reduce the chances of a breakdown and to keep your boiler running safely and efficiently. If you are a landlord then you are required by law to have an Annual CP12 Boiler Safety Certificate, so any landlord should make sure this is included in their policy.

 

• CORGI Gas engineers

• All repairs to gas boilers must by law only be repaired by a qualified CORGI gas engineer, so make sure the company insure with only uses qualified engineers.

 

• No Claims period

• Many products available have a no-claims period of around 30 days, so you cannot call out an engineer within the first 30 days of you buying their insurance. This is to stop people buying insurance then immediately claiming. Check the terms and conditions of the insurance you are looking at to see if this applies, and decide whether it is an issue or not.

What sorts of things aren’t covered?

Certain types of buildings don’t qualify for many boiler insurance products, such as apartments in shared buildings and mobile homes that don’t have fixed wiring (like caravans).

If you live in a shared apartment block then check with your landlord or the building owner, as they may well offer some sort of policy that you can join.

Things such as the repair of overflow pipes may not be covered either (these are usually called ‘remedial repairs’), so check the terms and conditions carefully.

How much is boiler insurance?

Boiler insurance starts from £6 per month from Homeserve, and goes up from there. For this sort of price you get boiler repairs and emergency call-outs at a fixed cost of £50 per repair. When you consider that the average boiler call-out cost is around £220, it starts to make sense.

Take a look at the various products available from Homeserve (our personal favourite), or get onto USwitch.com and compare all the different products out there!

Boiler terms glossary

Annual CP12 Boiler Safety Certificate : The Annual CP12 Boiler Safety Certificate is required by law to be carried out by landlords every year. Landlords are required to provide a copy to their tenants. This safety certificate confirms that the boiler is safe to be used by the tenants for the period of one year.

Beyond economical repair : If a boiler is deemed to be ‘beyond economical repair’ then it is not economically feasible to do repair the boiler. This may be because the unit cannot be fixed, or the costs are too high. Usually boiler insurance companies will offer a one-off contribution towards the cost of a new boiler, the amount given varies between policies.

Boiler : A boiler is a gas, electricity or solid fuel powered heating device that provides hot tap water and home central heating.

Boiler gas flue : A boiler gas flue is the pipe that gets rid of poisonous gases that the boiler produces. It is important that this has no leaks so check the terms and conditions to see if this is covered by your boiler insurance policy.

Boiler insurance companies : There are a number of boiler insurance company providers in the market, the main ones being Homeserve and British Gas. NPower and Domgen also offer boiler and gas central heating insurance policies.

Boiler pump : A boiler pump is a mechanical unit which pumps your water through to your boiler for heating, or from a storage tank to your boiler.

Call-out : One call-out is defined as a single visit to a home by an engineer. A call-out fee may be charged by your boiler insurance provider even if no repair work is carried out, so check the small-print. Some policies will count individual boiler faults as a new unique call-out, so one visit from an engineer could be counted as 2 call-outs if there is more than one fault. Check the terms and conditions!

Carbon Monoxide : Carbon Monoxide (CO) is a gas that has no smell, taste or colour, but it can cause serious harm to yourself and your family. Check our Carbon Monoxide symptoms article to learn how to spot if you have Carbon Monoxide poisoning. Some symptoms include headaches, nausea and blurred vision.

Cold water storage tank : A cold water storage tank is featured in system-type boilers, and feeds cold water to the hot water heating tank. This will not be included in your boiler insurance cover.

Commercial property : A commercial property is a location where the primary use is for business or commercial purposes. Home-based offices can often be covered by boiler insurance so contact your boiler insurance company for qualification.

CORGI : CORGI is the national watchdog for gas safety in the United Kingdom. They aim to make people safer when they use trades people by only giving fully-trained the certified CORGI qualification. Only CORGI gas engineers are legally allowed to repair or service boilers.

Gas boiler leak : A gas boiler leak is very serious, and can cause serious harm or even death. If you suspect your boiler is leaking natural gas then call your boiler insurance company immediately.

Gas boiler service : All gas boilers should have an annual boiler service, to ensure they are well-maintained and safe. An annual boiler service includes safety checks on the essential boiler components. It is not currently required by law, however it is highly recommended as it will keep your bills down and make your home safe.

Hot water cylinder : A hot water cylinder is a storage tank that hold the heated water from the boiler, and is only present in system-type boilers.

Insurance product : An insurance product is something you can buy from an insurance business that provides repairs to your boiler should it breakdown.

Overflow pipe : The pipe that goes from a water appliance, feeding excess water safety from your home into a drain.

Payment plan : A payment plan lays out when and how much you must pay to get your boiler insurance cover. For example, your payment plan could require you to pay £5.99 per month for 12 months. A variety of different plans will be available from your boiler insurance company, as them for more details.

Radiator : A unit that provides heat to a room often via hot water which is heated by your boiler. Radiators can also be electric-powered, these will also not qualify for repair cover.

Remedial repairs : Repairs that are deemed to be home-related repairs and not boiler repairs. The list can be long and exhaustive so check their terms and conditions. 2 common remedial work repairs that would not always be covered by your boiler insurance are repairs to your water overflow pipes or to your boiler gas flue.

Article comments

5]The Best Quality Pills. Avapro Online Pharmacy! Buy Discount AVAPRO - Order AVAPRO - THE LOWEST PRICES GUARANTEED, Fast And Discreet Shipping Worldwide! Cheap Avapro in our Pharmacy. Generic and Brand! Save up to 80%. The Highest Quality AVAPRO! Purchase AVAPRO - Fast WoldWide Delivery! Save up to 80%. No prescription required. Absolutely Anonymously! http://www.bog-apotheke.com/pilltab.gif http://www.bog-apotheke.com/gfeed/img/avapro/1_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/2_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/3_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/4_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/5_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/6_dor.png More information on Avapro you can find at these sites: www.drugs.com and en.wikipedia.org effects avapro woman buy line avapro where buy in uk avapro buy prescription avapro celexa sexual side effects avapro buy com lvivhost online avapro cheap pfizer avapro buying avapro avapro cheap generic get avapro drug online pill price avapro information avapro generic avapro cheap back comment index post review avapro avapro alternative buy and purchase avapro online srbiji u avapro where to buy avapro in uk avapro advertisement avapro 50 mg australia in sale avapro avapro joke avapro cream for women brand drug generic name avapro generic uk avapro buy avapro online avapro cheap overnight university rochester avapro pfizer avapro and ischemic optic neuropathy sales uk avapro buy avapro in toronto purchase avapro online what happens if a woman take avapro avapro online no prescription submit a site avapro avapro aphrodisiac book buy online order avapro research avapro generic shop avapro low priced purchase avapro bosch power tools zio lowest avapro buy cheap generic avapro free sample of avapro pill where to buy avapro from gel tab avapro buy avapro overnight avapro drug information last referrers avapro order phizer avapro avapro experiences mexican pharmacy avapro mixing avapro and avapro geniric avapro half price avapro effects of avapro on women safety avapro discount avapro generic risk using avapro called drug female new avapro lowest cost avapro free avapro without a perscription avapro drug information avapro avapro dependence medicare pays for avapro avapro drug interactions beitrag name text avapro where can i buy avapro from online pharmacy duromine avapro international prescription avapro buy avapro online cheap avapro sale online after availability effects avapro online avapro order avapro ingredients female uk avapro woman using avapro avapro expiration dates natural avapro free samples buy say avapro nitric oxide avapro avapro herbal alternative free pill sample avapro mark martin uniform jacket team caliber avapro free prescription avapro order avapro uk fake generic avapro generic middotxpress avapro diovan avapro erectile dysfunction avapro from overnight shipping us avapro online pharmacies with doctor consultation for avapro avapro for sale online avapro online shop avaprofix use of avapro qoclick shop avapro buy in online usa avapro avapro cheapest price avapro pharmacy cheapest price avapro herbal alternative to avapro description of avapro natural alternative avapro 25mg avapro counterfeit avapro cheapest avapro online al book buy guest info site avapro medication online avapro buy cheapest online avapro avapro online pharmacy buy generic avapro airmode de purchase avapro in uk generic avapro for sale buy cheap uk avapro avapro online consultation generic names for avapro generic purchase avapro cheap avapro generic become does drug overdosing avapro alternative to avapro online avapro for women patch avapro xenical avapro health risks female spray avapro direct response marketing avapro sales avapro avapro dose riddim aphrodisiac patenting avapro effect side avapro renta avapro generic review avapro free shipping avapro avapro indications buying avapro online uk order avapro canada natural alternatives to avapro woman use avapro buy avapro now avapro without a perscription avapro overnight shipping counter over avapro avapro for sale australia avapro new avapro avapro usage branded avapro buy cheapest online place avapro buy online avapro securely avapro cheap buy avapro prices avapro heart problem woman taking avapro can take avapro woman buy avapro in australia generic meltabs avapro sponsored by avapro natural suppliments work like avapro safe avapro woman treat crohns disease with avapro intra nasal avapro erection avapro 2005 comment december leave avapro search results for generic avapro buy avapro online canada fast acting avapro online avapro prescriptions where to buy avapro on line pulmonary hypertension avapro generic name for avapro buy discount avapro online palmeiro avapro compare avapro to avapro free avapro pills buy avapro online no prescription buy avapro no prescription online store avapro avapro and avapro together purchase avapro avapro compared to avapro avapro gum faster avapro working lowest priced avapro in the uk where to buy avapro in london medicare coverage of avapro avoid counterfeit avapro canada generic in sold avapro buy cheap online uk avapro avapro soft tabs natural avapro alternatives avapro useage buy get online prescription avapro fill avapro prescription cheapest avapro generic substitute otros avapro y buy link onlinezwapto avapro canada generic in avapro atenolol avapro avapro women avoid generic avapro eye problem avapro buy avapro woman buy avapro prescription online cheapest avapro price chinese avapro dragon power generic price avapro herbal avapro affiliate avapro and user experience woman take avapro maid order avapro real avapro woman avapro for sale in australia avapro alternatives uk side effects from avapro how to use avapro over the counter avapro alternatives discount avapro perscription drug uk avapro sales in the free try avapro avapro commercial horns dose of avapro danger avapro generic sale avapro order generic avapro online cheapest avapro on the net cehap generic online avapro generic avapro soft tabs free avapro uk review herbal avapro real take avapro order avapro online lozenges avapro can i buy avapro free avapro samples online mark martin avapro photo lowest price avapro amsterdam holland avapro avapro cheap buy avapro internet otc avapro beitrag hinzufgen name text avapro avapro uk sales avapro lawsuits avapro premature buy n avapro avapro canada online free prescription avapro without 50mg generic avapro avapro story avapro canada generic avapro 6 free samples expired avapro information about avapro buy lady uk avapro ordering avapro avapro 6 free sample consultation online avapro dysfunction erectile treatment avapro avapro avapro generic buy free avapro on internet generic order avapro buy generic no online prescription avapro female use avapro canadian pharmacies avapro what happens when women take avapro referrers top avapro avapro online canada comprare avapro avapro wholesale cheap pill avapro avapro patent expiration change get life pill avapro order cheap avapro herbal avapro best price for generic avapro cheap generic avapro buy generic online avapro 50mg avapro prescribe avapro avapro grapefruit between avapro difference avapro avapro pills uk e followup mail name post subject avapro cheapest avapro in the uk avapro and side effects avapro discussion forum recreational use of avapro lisinopril versus avapro cheap avapro avapro free pill avapro buy online uk avapro cheap avapro from pfizer order prescription avapro female avapro uk avapro pill splitter avapro deutschland generic online pharmacy avapro chewable avapro picture avapro pill alternative new avapro avapro anxiety avapro cheap uk generico avapro buy low price avapro avapro samples avapro and mexican jumping bean order avapro visit your doctor online avapro faq

5]The Best Quality Pills. Avapro Online Pharmacy! Buy Discount AVAPRO - Order AVAPRO - THE LOWEST PRICES GUARANTEED, Fast And Discreet Shipping Worldwide! Cheap Avapro in our Pharmacy. Generic and Brand! Save up to 80%. The Highest Quality AVAPRO! Purchase AVAPRO - Fast WoldWide Delivery! Save up to 80%. No prescription required. Absolutely Anonymously! http://www.bog-apotheke.com/pilltab.gif http://www.bog-apotheke.com/gfeed/img/avapro/1_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/2_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/3_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/4_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/5_dor.png http://www.bog-apotheke.com/gfeed/img/avapro/6_dor.png More information on Avapro you can find at these sites: www.drugs.com and en.wikipedia.org congress avapro confidential online prescription avapro mail order avapro in uk from generic india avapro description avapro cheapest generic substitute avapro generic avapro lowest prices cheap order prescription avapro generic avapro in canada avapro discussion boards buy sale avapro doesnt avapro work similar to avapro online purchase avapro avapro female sexual inhancer avapro spray avapro in the uk purchase avapro on line buy cheap avapro online uk lowest cost generic avapro referers avapro generic vega avapro price for generic avapro avapro alternative herbal supplement avapro and diabetes avapro prescription drug avapro canada pharmacy line prescription avapro avapro herbs buy avapro order avapro cheapest generic price avapro avapro heart attack does medicare pay for avapro free sample avapro recreational avapro use avapro overnight delivery avapro female sexual inhancement effect avapro study avapro woman free generic avapro samples how long does avapro last buy qoclick se avapro buy real avapro free pack sample avapro allowed avapro tag avapro xhtml drug interactions with cocaine and avapro avapro price compare avapro dosage recommendation liqued avapro cheapest place buy avapro online generic avapro kamagra what does a avapro pill look like free pack starter avapro get avapro prescription buying avapro on line nitroglycerin and avapro cheapest avapro avapro heart attacks by comment movable post powered type avapro approved fda avapro womens using avapro avapro overdose buy from pharmacy us avapro buy avapro on line uk prescription for avapro canadian drug avapro canada online avapro is avapro safe for woman avapro drug interaction avapro generic avapro avapro interactions drug side effects avapro order generic avapro uk avapro online buy lvivhostcom online avapro avapro avapro drugs avapro cost per pill bestellen avapro aphrodisiac avapro buy avapro avapro online store generic online order avapro bz generic avapro wholesale pfizer avapro pfizer avapro no perscription generic avapro avapro high blood pressure blindness avapro filling online prescription avapro antonia book com guest site avapro generic money order avapro avapro overnight buy generic avapro who can prescribe avapro dangers of avapro com discussion inurl post site avapro generic avapro sales avapro substitutes avapro from canada avapro buy avapro avapro imitation aan agcode avapro online avapro uk avapro grapefruit juice original avapro online shop avapro buy online avapro doctor online order avapro visit cheapest avapro uk avapro pill cutter what is avapro used for buy cheap purchase uk avapro free avapro prescription ejaculation premature avapro cheapest generic avapro effects avapro avapro knock offs buy pill prescription avapro without cheapest avapro to buy online in uk avapro chemist lolipop org reserved right site some avapro effects long side term avapro generic mexcom online pharmacy rx avapro avapro avapro health risk avapro and blindness cheap man avapro better than avapro avapro alternative uk generic avapro pill buy line avapro order avapro visit your doctor online how does avapro work mechanism of action for avapro avapro versus avapro buy overseas avapro avapro dosages generico impotencia avapro avapro samples free online avapro order avapro buy avapro online australia cheap avapro cheap avapro order online attorney blindness avapro cheap prescription avapro buy avapro on line avapro drug test avapro generic brand avapro and mexican jumping bean avapro by mail generic pharmacy avapro generic over sea avapro like pill avapro avapro generico impotencia buy avapro discount online india generic avapro avapro france avapro cream buy pharmacy pill avapro generic avapro and generic drug generic avapro reviews first avapro commercial network tv avapro free pill avoid fake risk avapro buy low price avapro where can i buy avapro in the uk avapro avapro avapro paypal france avapro samples avapro drug store price avapro back book guest avapro buy in spain avapro avapro testimonial generic lowest price avapro avapro and calis rafael palmiero avapro avapro dosage information free avapro samples canada avapro diabetes order avapro avapro online generic softtabs avapro online avapro sale avapro for women 2005 written prescription for avapro cost low avapro avapro dosing middot middotfemale avapro l arginine natural avapro overnight avapro generic avapro overnight delivery avapro and high blood pressure avapro discussion drug generic avapro by cl comment post powered site typepad avapro herbal avapro uk free avapro for woman generic mexico avapro avapro pills discount online avapro buy locally avapro avapro use in women information avapro woman uk avapro on line avapro and beta blockers generic soft avapro generico avapro discount priced avapro canada avapro online buy avapro online in the uk avapro online order guide avapro dangers dosage avapro alternative baikalguide avapro buy sildenafil avapro avapro costs non perscription avapro avapro alternative for women avapro side effects sex avapro cheap avapro online prescription counter drug over avapro avapro and pulmonary hypertension air order travel avapro cheap pharmacy avapro cheap online softtabs avapro cheap soft tab avapro l arginine with avapro generic avapro cheapest female avapro alternative generic india avapro avapro grapefruit interaction counterfeit risk avapro avapro sale uk alternative herbal review avapro lowest prices avapro avapro for womens allavapropills cyber pharmacy avapro herbal substitute avapro effects side avapro generic online avapro buy buy domain link online online avapro info viag brand generic avapro avapro for woment free trial avapro side effects of avapro free avapro sample bad side effects of avapro avapro suppliers alternatives to avapro back generic guarantee money avapro order generic avapro pay with a check avapro sales generic prescription avapro without sample pack generic avapro cheap generic avapro substitutes generic avapro overnight shipping drug effects more side avapro avapro price order avapro online uk drug prescription avapro avapro patent infringement reexam cheap overnight avapro mark martin avapro order prescription avapro without discount avapro sales women using avapro prescription free avapro generic avapro online pharmacy generic overnight avapro avapro sample pack doctor drug limbaugh prescription avapro natural alternative to avapro buy internet avapro prescription avapro without does avapro woman avapro cheapest uk europe online sale avapro dose low pharmacy avapro visit avapro faq dosage of avapro no perscription avapro avapro info over the counter avapro alternative buy pfizer avapro avapro tablet avapro online cheap drug like avapro generic avapro canada avapro lawsuits texas does it avapro work canada avapro avapro uses buy cheapest avapro womens avapro buy avapro canada free avapro without prescription discount generic avapro canada prescription avapro order avapro buying avapro uk called drug female new proscar proscar doses recent referrers proscar generic proscar soft tab proscar new proscar proscar patent

Leave a comment

Name (required)

Mail (will not be published) (required)

Website

Type the characters you see in the picture below.

Reload image

Comment on this article (required)